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RE: Using Bitcoin Lightning Network
I have been working for years to get people to adopt it as our business model, so far only 5 out of ten thousand work this way. You know if merchants are really squeamish about this, they should switch to Digibyte, almost instant, dirt cheap, going anonymous to a degree... and all on the chain, no side chains. I am looking forward to when their DigiAssets are fully deployed, people will have the fiat or crypto options.
It can be quite a challenge to convince people to start using Crypto-currencies. In Nederland there is the city of Arnhem, called Bitcoin town, BTC is being used there by relatively a lot of merchants. Strangly enough only in Arnhem.
(It is a 1.5 hour drive by car/train from Rotterdam.)
Have not dived deep enough into Digibyte. It has 1 minute blocks, that I know. And all kinds of products/services build on top. At a certain moment when a certain threshold has been reached I think more merchants will join in.
Not many know that Bitkassa (Arnhem NL) offers merchants a zero fee conversion from BTC to €uro. Right after the made a sale that was payed for with Bitcoin. It will take some more time.